Surprisingly enough, I got my disputes back from Equifax and they updated all 6 things I asked for. I was waiting for the letter saying they couldn't accept notes from me, but that didn't happen. I asked for 6 accounts to be updated as Closed with a Zero balance. All were accomplished. I guess it was easier that most since I wasn't asking for deletions. Now only Experian to go. They might be a problem because I want a duplication deleted, they refused last time, saying verified. But I called the original company and they were supposed to take care of it on their end, so we will see. That's the last one. TransUnion and Equifax were successful. Judyputy